Personal Loan without Salary Transfer

It is not mandatory to transfer your salary to lending bank to apply for a Personal Loan in UAE. Now you can apply for a Personal Loan in UAE without Salary Transfer also. Might be the rate of Interest is slightly higher as compared to Salary Transfer Loan as it's considered as an unsecured loan in UAE market. You can get an approval within 24 hours if applying for a Personal Loan without Salary Transfer.

At Present numerous Banks and Financial Institutions are there to provide you Personal Loan without Salary Transfer. To name a few Citi Bank Loan, ADCB Simplylife Loan, Dunia Finance Loan, Finance House Loan, Fab and lot more.

All listed and non listed company employees can apply for a Personal Loan without a Salary Transfer.

Document Require for a Loan without Salary Transfer

  1. KYC Documents ( Passport, Visa and Emirates ID Copy )
  2. Bank Statement
  3. Salary Certificate

Citi Bank Non Salary Transfer Loan

With Citibank personal installment loan, no salary transfer is required to get a loan now.


  • Loan up to AED 175,000
    (No salary transfer to Citibank required)
  • Loans of up to 8 times your salary
  • Competitive interest rates
  • Approvals in 1 day
  • Loan funding in 1 day
  • Tenors from 6 months up to 48 months


Required Documents:

  • Current dated Salary Certificate (3 months on current job)
  • Last three months bank statements (with salary transfer)
  • Minimum (fixed) monthly salary of only AED 8,000
  • Passport copy / Emirates ID Copy
  • Direct Debit Form

DUNIA FINANCE Non Salary Transfer Loan

Dunia Finance : A reliable source to help you meet your financial requirements.

  • Attractive interest rates
  • Flexible repayment period of up to 48 months, to suit your personal needs 
  • No Salary transfer required
  • Simple and hassle-free process and  documentation
  • Quick application approval within 48 hours 

Required Documents:

  • Recent pay slip/income documents
  • Copy of passport with residence visa
  • Copy of Emirates ID
  • Past 3-6 months bank statement
  • Copy of credit card with recent credit card statement
  • Proof of residence
  • Minimum Salary AED 4000 plus Company Benefits (Accommodation , Overtime , Bonus etc.)